JOHN LUTCZA

Branch Manager

NMLS: #212778

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Your mortgage guy!

As a top producer with over 20 years of mortgage lending experience, I have helped thousands of clients achieve their dream of home ownership.

When it comes to mortgage lending, all companies are not created equal. Allow myself and my team to show you the gold standard of mortgage lending. Whether you are a first time home buyer,   or a seasoned home owner, I will help you find the perfect program that fits your exact needs.

We offer a full array of products such as Purchase Loans, Refinances, Cash Out Loans, FHA, USDA, Conventional, Jumbo Financing, and VA Loans for the heroes that have served our country.

Gold Financial Services is one of the few mortgage companies in Texas that can work with credit scores as low as 500! We are a direct lender with in house underwriting, processing, and closing. This allows my clients to experience fast approvals, and fast closings with no surprises. I have the ability to close loans in as quickly as two weeks!

If you are looking for a mortgage lender that will help guide you through the mortgage process easily, and painlessly, then give me a call. I look forward to helping you.


State Licenses


State License Number Regulated Text Disclosures
Texas